# Starling vs Jingle Pay

The clearest difference is rating: Starling at 4.9 against Jingle Pay's 4.0. Starling also leads on update cadence (weekly vs every 6 weeks) and ratings volume (2.8K vs 4). Jingle Pay's advantage is review sentiment (100% vs 74%) and iOS requirement (13.0 vs 15.0). On price, ads, in-app purchases and monetization model there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Starling holds the better App Store score, 4.9 against 4.0. That said, the two scores are not equally well evidenced: Starling has 2.8K ratings behind it against 4, so its average is the more settled of the two. Written reviews complicate that: 74% of Starling's written reviews are positive against 100% of Jingle Pay's, so the app with the better star average is not the one people write more warmly about.

Starling ships an update weekly, Jingle Pay every 6 weeks. The most recent releases landed on November 12, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | Starling | Jingle Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (2.8K ratings)](https://appshunter.io/ios/app/starling-mobile-banking/id956806430/reviews)** | [4.0 (4 ratings)](https://appshunter.io/ios/app/jingle-pay/id1493392189/reviews) |
| Number of ratings | **2.8K** | 4 |
| Positive reviews | 74.5% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Weekly** | Every 6 weeks |
| Monetization | Free | Free |
| Size | 561 MB | 387 MB |
| Requires iOS | 15.0 | **13.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [STARLING BANK LIMITED](https://appshunter.io/developer/956806429) | [Jingle Pay Limited](https://appshunter.io/developer/1493392188) |

## What reviewers say

### Starling

[App page](https://appshunter.io/ios/app/starling-mobile-banking/id956806430)

A digital banking app offering free personal and business accounts with robust security features and 24/7 UK-based customer support. Manage all your finances, from everyday spending to savings and bills, all from your phone.

**Highlights:** Free personal and business accounts, Joint and under-16 accounts, Habit-building savings tools (Spaces), 24/7 UK customer support, Advanced security controls, Fee-free spending abroad, Instant transaction notifications

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use app
- 🚀 Instant transactions
- 🔒 Secure banking
- 💡 Useful features like Spaces
- 👍 Excellent customer service

**What reviewers complain about**

- 🐛 App crashes and freezes
- 🔒 Overly strict security measures
- 💰 Fees for cash deposits
- 🚫 Inability to open certain account types
- 🚫 Declined payments with no explanation

**Reported bugs**

- Login issues after phone updates
- Inability to record video for verification
- App crashes on certain devices
- Delayed or failed money transfers

**Requested features**

- Joint account cards with different designs
- Ability to set up automatic transfers to savings
- More customization options for Spaces
- Integration with password managers
- Showing pending payments in balance


### Jingle Pay

[App page](https://appshunter.io/ios/app/jingle-pay/id1493392189)

Manage all your money, cards, and accounts in one financial super-app. Get a fee-free AED account with no minimum balance and send money internationally to over 160 countries at the best exchange rates.

**Highlights:** Fee-free AED account, 0 minimum balance, Multi-currency transfers to 160+ countries, Best exchange rates, Holistic view of all accounts, World's-first remittance marketplace, Peer-to-peer payments, Split bill feature

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Starling free?

Starling is free to download, with no in-app purchases.

### Is Jingle Pay free?

Jingle Pay is free to download, with no in-app purchases.

### Which has better reviews, Starling or Jingle Pay?

Starling is rated higher. Starling averages 4.9 out of 5 from 2.8K ratings, while Jingle Pay averages 4.0 from 4 ratings.

### Do Starling or Jingle Pay have ads?

Neither Starling nor Jingle Pay shows ads.

### Which is updated more often, Starling or Jingle Pay?

Starling ships an update weekly, and Jingle Pay every 6 weeks. Most recently, Starling was updated on November 12, 2026 and Jingle Pay on November 3, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*